Get a Helping Hand From New Zealand’s Most Trusted Lender-Finder Service
There are times in life when you need a helping hand. Jacaranda can help you out of your financial ‘sticky spot’, and get you back on the road again. Whether you need a personal loan for emergency car repairs, a rental bond, vet bills, or a holiday, we will do our best to find the lender for you.
We are a 100% online lender-finder service meaning that we can connect you with the best online money lenders throughout New Zealand: from Auckland to Queenstown, and everywhere in-between. When you need to borrow money, why not let Jacaranda NZ see what we can do for you.
Why Do You Need Jacaranda?
When you need to borrow money online instantly, the last thing you want to do is spend hours upon hours researching money lenders online. How do you know what lenders may approve you? How do you know who might give you the best rate? It can be confusing just trying to figure out which money lenders to apply to.
Take a deep breath – we’re here to help. These are just a few of the wins you can celebrate if you use our lender-finder service:
It’s Free To Apply!
Our lender-finder service is completely free. All you need to do is give us a few of your details, and information about the loan you’re seeking, and we’ll match you with a lender who could offer it. You are under no obligation to accept any loan you’re offered. However, if you are happy and want to accept the loan, you can go ahead and do so.
Your Application Reaches Hundreds Of Lenders In One Go
Instead of applying to dozens of lenders independently, Jacaranda puts your loan application in front of hundreds of money lenders. This way, you have the best chance of finding a lender who can offer you a suitable loan on the terms you’re seeking.
You Save Time
Applying to individual lenders can often take weeks. With Jacaranda, the application process only takes a few minutes. Simply fill out our submission form and wait to hear back. This could be as quick as one hour during normal business times. Once you have an answer, the ball is in your court to decide whether or not to accept the loan. If you accept the loan, an agreement will be set up and you will receive the loan as soon as possible. This could even be on the same day – that will, however, depend on your individual banking circumstances.
Award-Winning Customer Service
Our main focus is you. We are customer-focused at the heart, doing our best to connect you with the best money lenders. Our reputation for excellent customer service has earned us two Word of Mouth service awards in 2017 and 2018.
Get A Loan From The Comfort Of Your Couch
We understand that life is busy, and you probably don’t want to spend your spare time chasing after loan companies only to be asked lots of questions and possibly rejected. Our lender-finder service is 100% online, so you can apply anytime. No need to take time off work, or make hurried phone calls on your lunch break.
You Can Feel Safe
Finding trustworthy money lenders can be a minefield. The internet is unregulated, meaning that often you don’t know whether you’re dealing with a legitimate company or financial cowboys. We only work with reputable lenders who are transparent about costs and fees before a contract is signed. We are partnered with security giants McAfee and Comodo to ensure that any information you give us is secure.
Can I apply?
If you need to borrow money pay back later, we can help! You just need to meet these simple criteria:
- Be at least 18 years of age;
- Receive a regular income into a personal bank account for at least 90 days;
- Have a direct contact number; and
- Have an email address.
Simple right? If you said ‘YES’ to all of the above, you WILL need to provide:
A copy of your bank statement as a proof of income you’ve been receiving for at least the past 90 days. This will be stored securely as a read-only document, and will only be shared with the money lenders you are applying to.
You MAY also need to provide:
- Copy of bills;
- Copy of payslips; and
- Identity documents such as driving licence or passport
This documentation MAY be required by your lender to verify your information before finalising the loan. It is worth getting these ready in case they are needed, to speed up the process.
To prove you are employed, lenders may also do an employment check. This may involve contacting your workplace to verify your employment. Don’t worry – we are proud of the fact that our team exercises a high level of professionalism when it comes to these checks. The lender will never reveal the nature of the enquiry or your loan application.
Can I Still Get A Loan If I Have Bad Credit?
We believe that bad credit history belongs in the past, and your mistakes should not define your future. That is why we work with money lenders who offer loans to individuals with bad credit. Some of our lenders will not require a credit check to approve a loan. If you need to borrow money quick with bad credit, get in touch today!
How Does It Work?
Applying for finance now through Jacaranda is easy as counting to 3!
1. Apply Online
Filling out our lender-finder application form takes no more than a few minutes. We just need some essential information to find you a lender to meet your needs.
2. Our wheels turn
Once we’ve got your information, our cogs can begin to turn to find you the ideal lender. We work with hundreds of lenders with different specialties, giving you the best chance of finding a loan that’s right for you. Finding a lender could take as little as one hour if you apply during business hours.
3. It’s a match!
Once we’ve found you a match, the lender will contact you independently to discuss further details. You are under no obligation to accept the offer. If you’re not happy with it, or you’ve changed you’re mind, you can say ‘no thanks!’, simple as that!
If you are happy then all that’s left to do is sign the lender contract, and the loan will be on its way to you. Repayments will usually be taken via direct debit, but you will need to discuss this in more detail with your lender.
ALWAYS make sure you read the terms and conditions fully before agreeing to any loan. If there is something you don’t understand, lenders are always willing to explain.
How Much Can I Borrow?
The money lenders we work with offer easy loans from $300 to $10,000, with repayment terms from 12 to 24 months. Your maximum repayment length will depend on the amount you need to borrow. For example, the maximum repayment length for $300 to $2,000 is 12 months. To repay a loan of between $2,000 and $10,000, your repayment term can be between 13 and 24 months.
How Much Will My Loan Cost?
The overall cost of your loan and repayments will completely depend on
- the amount you borrow
- how long you need to pay it back.
It may also be dependent on a number of other criteria which will vary lender-to-lender.
Below is an example of how much your loan might cost:
- Borrowed Amount: $2,500 repaid over 13 months
- Weekly payment: $75.05
- Total interest: $1,702.80
- Total repayable: $4,202.80
- Monthly interest rate: 9% AIR: 108%
*This is a repayment estimate only. Your lender will determine the exact fees, terms and loan amount available for you, which may alter your repayments. Annualised Interest Rates (AIR) could be as high as 620.5% depending on your personal situation.
The interest rate you will pay on your loan can vary between 1.5% and 20% per month.
How Do Repayments Work?
Once a repayment schedule has been agreed with your lender, you will usually be required to set up a direct debit either weekly or monthly depending on your arrangement.
If your circumstances change and you are unable to keep up the repayments, it is very important that you contact the lender straight away. They may be able to work something out with them and alter your repayments if given enough notice.
Got More Questions?
Do you still have some questions you want answering before applying for a loan? Head over to our FAQ page for more information.
Or, if you’d rather speak directly to one of the team, get in touch today!
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Examples of what loans might cost.
Interest Rate between 1.5% and 20% per month.
$2,500 repaid over 13 months would have 56 weekly repayments of $75.05. Total interest $1702.80. Total amount repayable $4,202.80. This example is based on a monthly interest rate of 9% and an AIR of 108%. WARNING: This is a repayment estimate only. Your lender will determine the exact fees, terms and loan amounts available for you, which may alter your repayments. Annualised Interest Rates (AIR) could be as high as 620.5% depending on your personal situation.
Note, your lender may offer you different terms, fees or loan amounts based on your individual circumstances, needs and their own lending criteria. Please check your contract before signing.